QNB Corp. (QNBC) Fair Value 2026

QNBC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, QNB Corp. (QNBC) trades at $45.00, versus a $24.03 median fair value across its 6 active models — 46.6% below the current price. QOC: 7.8/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
QNBC
Price
$45.00
Quality Score
7.8/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is QNB Corp. (QNBC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, QNB Corp. (QNBC) appears overvalued as of : the median of 6 independent fair value estimates is $24.03, 46.6% below the current price of $45.00. Estimates range from $22.18 to $25.23. QNBC scores 7.8/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. QNBC’s -46.6% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy QNB Corp. Stock in 2026? →

What Fair Value Does Each Model Give QNBC?

6 Intrinsic Value Models vs. Current Price ($45.00)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $23.48 -47.8%
Ensemble · Medium Conviction
 $23.98 -46.7%
Intrinsic · High Conviction
 $25.23 -43.9%
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What Is QNBC's Fair Value Range?

Spread across 6 independent models · $22.18 to $25.23

CirclFi's 6 active models place QNB Corp. (QNBC) between $22.18 and $25.23 per share, a spread of 13% of the median. The median of that range — $24.03 — is the fair value CirclFi publishes for QNBC, against a current price of $45.00.

Low · ML-RIVHigh · Markov DDM
$22.18median $24.03$25.23
Where the range comes from
Most bearish modelML Residual Income$22.18
Most bullish modelMarkov DDM$25.23
Model agreement0 bullish · 6 bearishtight

The methods largely agree on QNBC. A band this narrow usually means stable, predictable cash flows that every approach reads the same way, and it is the strongest form of confirmation this engine can produce.

Every figure above is one model's standalone output on QNBC, not a CirclFi price target. How each model works →

What Is QNB Corp. (QNBC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, QNB Corp.'s intrinsic value is estimated at $24.03. Trading at its current price of $45.00, the valuation engine raises significant caution: 6 of 6 models flag downside risk, projecting a median implied return of -46.6%. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About QNBC?

6 of 13 models are currently active for QNBC. All 6 active models suggest the stock trades above fair value. Taken together, their median fair value for QNBC is $24.03 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does QNBC Rank in Banks - Regional?

Among 349 Banks - Regional stocks, QNBC ranks #217 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to financial institution businesses. For QNB Corp., metrics like CET1 capital ratio provide important context that general-purpose valuation models may underweight.

Is QNBC a Value Trap?

CirclFi's Value Trap algorithm assigns QNBC a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for QNB Corp.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, QNB Corp. scores 7.8 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

Models cluster within a tight range (+6.8% spread), increasing conviction. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every QNBC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across QNBC's 6 active models, average confidence is 47%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy QNB Corp. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

LARKLandmark Bancorp, Inc.QOC 7.8PNFPPinnacle Financial Partners, Inc.QOC 7.8FBNCFirst BancorpQOC 7.8MCBMetropolitan Bank Holding Corp.QOC 7.8CBKCommercial Bancgroup, Inc.QOC 7.8JMSBJohn Marshall Bancorp, Inc.QOC 7.8WSBFWaterstone Financial, Inc.QOC 6.9HOMBHome BancShares, Inc.QOC 8.6HFWAHeritage Financial CorporationQOC 8.2ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: LARK · PNFP · FBNC · MCB · CBK · JMSB · WSBF · HOMB · HFWA · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to QNBC?

5 companies across all industries closest to QNBC’s Quality of Company score of 7.8/10.

NTSTNETSTREIT Corp.QOC 7.8IIPRInnovative Industrial Properties, Inc.QOC 7.8CSRCenterspaceQOC 7.8HPEHewlett Packard Enterprise CompanyQOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: NTST · IIPR · CSR · HPE · NVDA

Where Does QNBC Sit in CirclFi's Banks - Regional Rankings?

QNBC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About QNB Corp.’s Valuation?

What is QNB Corp.'s intrinsic value in 2026?

CirclFi puts QNB Corp. (QNBC)'s intrinsic value at $24.03 — the median of 6 independent model estimates as of 2026-08-27, ranging from $22.18 to $25.23. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is QNBC overvalued or undervalued right now?

At $45.00, 0 of 6 active models suggest QNBC may be undervalued, while 6 indicate potential overvaluation. The median of all 6 fair value estimates is $24.03, 46.6% below the current price of $45.00 — a consensus view that QNBC is overvalued. The assessment depends on which methodology best fits QNB Corp.'s business model in Banks - Regional.

What does a Quality of Company score of 7.8 mean for QNBC?

QNB Corp.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on QNBC?

CirclFi analyzes QNBC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on QNBC?

Of the 6 models currently active on QNBC, Markov DDM is the most bullish at $25.23 per share, and ML Residual Income is the most bearish at $22.18. CirclFi's published fair value for QNBC is the median of that range, $24.03, not either extreme. The gap between the two ends equals 13% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is QNBC a value trap in 2026?

QNB Corp.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, QNB Corp. (QNBC) has a median fair value of $24.03 — 46.6% below the current price of $45.00 — as of 2026-08-27.” Source: circlfi.com/stock/QNBC/ · Methodology
Primary sources for this QNBC valuation
  • Financial statements: QNB Corp. 10-K and 10-Q filings on SEC EDGAR (CIK 0000750558) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for QNBC as of ; valuations recomputed .

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